Unable to verify current business operations. Website returns 403 Forbidden error, preventing access to service details, rates, and company information.
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Mid-South Payday and Title Loans merged with 745Cash at 4664 Summer Ave, positioning itself as an emergency cash lender in the Memphis area. The company was historically categorized under emergency-cash services, suggesting it offered small fast loans and title-based lending products. However, verification of current operations cannot be completed due to website accessibility issues.
com) returns a 403 Forbidden error, blocking access to loan terms, APR rates, eligibility requirements, and other critical consumer information. This technical barrier prevents comparable public verification context of the company's current service offerings, lending practices, or operational status. Without accessible company information, potential borrowers cannot confirm whether the business remains active, what specific loan products are available, or what terms and conditions apply to borrowing.
The merger history suggests the company operates in the payday and title loan space, but current details cannot be independently verified.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Memphis, TN. It does not confirm that Mid-South Payday and Title Loans merged with 745Cash at 4664 Summer Ave or this specific location is licensed.
State regulator
Tennessee Department of Financial Institutions
Consumer protection
Status: Permitted
Rate context: Maximum fee of 15% of the advance amount
Amount context: $500
Term context: 31 days
Regulated under Tennessee Deferred Presentment Act (Tenn. Code Ann. § 45-17-101 et seq.). Borrowers limited to two outstanding payday loans at any time. Lenders must be licensed with Tennessee Department of Financial Institutions. No statewide database system currently in place.
Status: Permitted
Rate context: 24% APR for consumer finance installment loans; rates may vary for other installment loans
Governed by Tennessee Consumer Finance Act (Tenn. Code Ann. § 45-1-201 et seq.). Lenders must disclose all terms including finance charges, payment schedule, and total amount financed.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Mid-South Payday and Title Loans merged with 745Cash at 4664 Summer Ave offers 6 services including Personal loans, Debt consolidation loans, Fixed-rate loans, Online loan applications, Credit assessment, and 1 more.
Mid-South Payday and Title Loans merged with 745Cash at 4664 Summer Ave has profile signals associated with Consumers in Memphis, Tennessee looking for personal lending services, People who prefer working with a local personal lending provider, Borrowers seeking competitive loan terms, Consumers looking to consolidate debt.
Key strengths: Highly rated by customers (4.5/5 on Google); Google-verified business; Online presence for easy access to information. Areas to consider: Website inaccessible - 403 Forbidden error prevents review of rates, terms, and company details; Cannot verify current operational status or whether business is still active.
In the Emergency Cash category, comparable providers include CIVIC Financial Services, Jason Accola - Senior Mortgage Banker - Waterman Bank, Montana Capital Car Title Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Cannot make a factual assessment of this company due to website unavailability. Consumers seeking emergency cash loans should contact the business directly at the listed address (4664 Summer Ave) to verify current operations and obtain accurate rate and term information before applying.
CIVIC Financial Services is a real estate investment lender offering fix-and-flip, bridge, rental, and construction loans for experienced and first-time property investors.
Google rating from 265 reviews
Profile signals: Experienced real estate investors looking to finance fix-and-flip projects with rate claims to verify, Rental property investors seeking portfolio loans for multiple investment properties
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 274 reviews
Profile signals: Consumers in Chicago, Illinois looking for personal lending services, People who prefer working with a local personal lending provider
Review this provider profile and compare source-linked details before choosing what to do next.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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